The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$19,770
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,385
−HK$624/mo
Today · 4.125%
HK$21,009
baseline
▲ 0.50% · 4.625%
HK$22,288
+HK$1,279/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$42,018/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,994
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,583
−HK$599/mo
Today · 4.125%
HK$23,182
baseline
▲ 0.50% · 4.625%
HK$24,404
+HK$1,222/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,364/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,724
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,462
−HK$749/mo
Today · 4.125%
HK$25,211
baseline
▲ 0.50% · 4.625%
HK$26,745
+HK$1,534/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,422/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,392
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,100
−HK$718/mo
Today · 4.125%
HK$27,818
baseline
▲ 0.50% · 4.625%
HK$29,285
+HK$1,467/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,636/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,678
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,539
−HK$874/mo
Today · 4.125%
HK$29,413
baseline
▲ 0.50% · 4.625%
HK$31,203
+HK$1,790/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,826/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,791
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,617
−HK$838/mo
Today · 4.125%
HK$32,455
baseline
▲ 0.50% · 4.625%
HK$34,165
+HK$1,710/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,910/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,586
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,692
−HK$1,125/mo
Today · 4.125%
HK$37,817
baseline
▲ 0.50% · 4.625%
HK$40,118
+HK$2,301/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$75,634/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,589
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,650
−HK$1,077/mo
Today · 4.125%
HK$41,727
baseline
▲ 0.50% · 4.625%
HK$43,927
+HK$2,200/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$83,454/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,099 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).